Monthly vs. Yearly IRA Contribution Experiment – January 2012 Update
The Monthly vs. Yearly IRA contribution timing experiment January 2012 update.
Yearly Contribution Roth IRA
|
Fund
|
Shares
|
Price
|
Cost Basis
|
Market Value
|
Gain/Loss
|
Gain/Loss %
|
|---|---|---|---|---|---|---|
|
VTSMX
|
102.33
|
32.88
|
3,250.00
|
3,364.61
|
114.61
|
3.53
|
|
VGTSX
|
93.07
|
14.01
|
1,250.00
|
1,303.98
|
53.98
|
4.32
|
|
VBMFX
|
45.64
|
11.07
|
501.19
|
505.28
|
4.09
|
0.82
|
|
Totals:
|
5,001.19
|
5,173.87
|
172.68
|
3.45
|
Account Summary :
- 01/31/2012 – Reinvested $1.19 dividend for Vanguard Total Bond Market Index Fund
Monthly Contribution Roth IRA
|
Fund
|
Shares
|
Price
|
Cost Basis
|
Market Value
|
Gain/Loss
|
Gain/Loss %
|
|---|---|---|---|---|---|---|
|
VTSMX
|
8.53
|
32.88
|
270.83
|
280.38
|
9.55
|
3.53
|
|
VGTSX
|
7.76
|
14.01
|
104.17
|
108.66
|
4.49
|
4.31
|
|
VBMFX
|
3.80
|
11.07
|
41.76
|
42.11
|
.35
|
0.84
|
|
Totals:
|
416.76
|
431.15
|
14.39
|
3.45
|
Account Summary :
- 01/31/2012 – Reinvested $0.10 dividend for Vanguard Total Bond Market Index Fund
Monthly vs. Yearly IRA Account Comparison
|
Account
|
Gain/Loss %
|
% Change From Prior Month
|
|---|---|---|
|
Yearly
|
3.48
|
0.00
|
|
Monthly
|
3.48
|
0.00
|
Analysis :
- No change for the month of January. The dividends received were the same in proportion in each account, so they had the same effect percentage-wise.
Posted by Long